Can you tell me which benefits and allowances the National Overseas Scholarship would give me as an Indian student?
The National Overseas Scholarship typically covers actual tuition, visa charges, medical insurance premium and economy airfare, plus an annual maintenance allowance of USD 15,400 for the USA and most countries, or GBP 9,900 for the UK, and a yearly contingency allowance.
The National Overseas Scholarship is designed to give full financial support for the cost of studying outside India, including tuition, living, travel and other expenses for the course duration. The amounts below are as listed, so verify them on the official scheme page before you apply.
Allowances and Coverage
| Benefit | Coverage |
|---|---|
| Annual maintenance allowance (USA and other countries except the UK) | USD 15,400 (approx INR 14.65 L) per year |
| Annual maintenance allowance (UK) | GBP 9,900 (approx INR 12.49 L) per year |
| Annual contingency allowance (USA and other countries except the UK) | USD 1,500 (approx INR 1.43 L) per year |
| Annual contingency allowance (UK) | GBP 1,100 (approx INR 1.39 L) per year |
| Tuition fees | Actual tuition charged by the university, as per scheme provisions |
| Visa fees | Actual visa charges, where applicable |
| Medical insurance | Actual premium charged |
| Airfare | Economy-class airfare for one onward and one return journey |
| Incidental journey allowance | USD 20 (approx INR 1,902) or the equivalent in Indian rupees |
| Equipment allowance | USD 20 (approx INR 1,902) or the equivalent in Indian rupees |
How the Money Is Released
- The scholarship amount is released through the Indian Missions abroad, as the scheme provisions describe.
- The maintenance allowance is typically paid in periodic instalments linked to your satisfactory academic progress.
- Tuition fees and other approved expenses are paid under the applicable guidelines.
My Advice
Plan your first-semester cash flow around the fact that allowances are disbursed periodically, and keep receipts for tuition, insurance and visa charges. Allowance amounts can be revised, so check the official scheme page before your 2027 or 2028 intake.
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